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Health insurance cover should be increased in India: FICCI


Health insurance cover should be increased in India: FICCI

With more and more poor people in the country getting into the debt trap due to medical expenses, FICCI today said steps needs to be taken to increase health insurance penetration, which currently covers only 15 per cent population.

The chamber said that affordability of healthcare across the pyramid is extremely pertinent and critical to achieve the goal of providing quality healthcare to the masses. "The long-term vision to make quality healthcare affordable for the country should be to increase the health insurance penetration to at least 50 per cent of population by the year 2020 and 80 per cent by the year 2030," FICCI said.  In its bid to help insurance regulator IRDA in planning regulations in the health insurance sector, FICCI has offered a wide range of recommendations. They have been made on issues like standard definitions for critical illness, standardisation of list of excluded (non-medical) expenses, standard treatment guidelines and billing procedures.

The recommendations assumes significance as policy holders were left in a quandary last year following deadlock between the four public sector insurers and major private hospitals over cancellation of cashless medical treatment facilities.


Rashtriya Swasthya Bima Yojana - health insurance scheme to cover rickshaw pullers, cab drivers, miners, sanitation workers and toddy workers


Government's Rashtriya Swasthya Bima Yojana update

India's flagship health insurance scheme may soon be extended to cover seven more unorganized sectors, as the government gradually expands its scope to include most of the workers engaged in informal vocations.

The labour ministry, in separate Cabinet notes, has proposed to expand the Rashtriya Swasthya Bima Yojana to include rag pickers, rickshaw pullers, taxi and autorickshaw drivers, miners, sanitation workers and toddy workers.

"Our aim is to gradually cover all workers in the unorganised sector," a ministry official said. The ministry circulates separate Cabinet notes for individual sectors to ensure that if differences crop up among Cabinet members on a particular sector, it does not hold back approval for other sectors.


Mediclaim: Chola ‘Healthline’ offers add-ons


Mediclaim: Chola ‘Healthline’ offers add-ons

Chola MS General Insurance has launched a health insurance product, Chola Healthline. The product has three variants (Standard, Superior and Advanced) with covers ranging from Rs1 lakh to Rs10 lakh. Individuals up to 55 years (without any medical check-up) and up to 65 years (with medical check-up) can buy the policy which offers lifetime renewal. It also offers free health check-ups in every two claim-free years.


Goa govt to launch mediclaim scheme in Margao on Aug 15


Mediclaim Scheme Launch - August 15th Margao

MARGAO: Chief minister Digambar Kamat on Tuesday announced that Margao would be the first city in the state where the universal mediclaim scheme would be launched on Independence Day-August 15.

Kamat was speaking to reporters outside the district collectorate office, Margao, after he chaired a high-level meeting in the ministry chambers that included health minister Vishwajit Rane, director of health services Rajnanda Dessai, South Goa district collector Sandip Jacques and health officials on Tuesday.

"We plan on issuing cards under the medical insurance scheme, Swarnajayanti Arogya Bima Yojana (SABY), from August 15. The cards will be issued to the public and offer a medical insurance cover of up to 60,000 per family," said Kamat.


Changes in Mediclaim Guidelines Irks Medical Associations


Medical association protests changes in mediclaim guidelines

The recent changes in the new guidelines for cashless mediclaim policies have left members of Ahmedabad Medical Association (AMA) agitated.

AMA doctors on Sunday said that there should be transparency in the guidelines for offering cashless mediclaim treatment. They claimed that after implementation of the new policy, patients will not be able to choose hospitals and doctors of their choice while going for cashless treatment.
Around 92 hospitals in the city have inked MoUs with third party administrators (TPAs) appointed by general insurance companies (GICs) and would offer cashless mediclaim treatment as part of the preferred provider network (PPN) to be established here.
"TPAs on behalf of GICs have decided to introduce PPN here from Monday to provide cashless mediclaim treatment to patients where only a select group of hospitals have got the authorisation," said AMA secretary Dr Mehul Shah.

"After its implementation, we think patients will not be able to choose hospitals, doctors and in certain cases medical implants of their choice, while going for cashless treatment," Shah said.
While the Centre will bear the cost of services offered under the national health package, state governments can add more services at their own cost. The health services can be availed through public sector and contracted private facilities, including NGOs and non-profit agencies.
Service providers, be it public or private, who accept the health card will not provide any services to those willing to pay additional fees either out-of-pocket or through their privately purchased insurance policies. This is being done to keep away those who can pay to avail health services.


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